John Zerwas

Age 71 b. 1955-03-24
๐Ÿ“ 1400 Congress Ave Rm E2.308, Austin Tx
๐Ÿ“ž (512) 463-0657, (713) 205-2113, (713) 206-2203
โœ‰๏ธ JZERWASMD@ATT.NET, jzerwasmd@att.net

John Zerwas from Cypress, TX

Age 52
๐Ÿ“ 12714 Oak Plaza Dr, Cypress, TX 77429
๐Ÿ“ž (281) 955-5015, (281) 910-8307, (281) 955-5015, (281) 955-6927
โœ‰๏ธ zerwas8987@aol.com
๐Ÿช John Zerwas

John Zerwas

Age 64 b. 1961-11-19
๐Ÿ“ 10770 Barely Ln Apt 707, Houston Tx
๐Ÿ“ž (281) 468-3774
โœ‰๏ธ JACKZERWAS@GMAIL.COM, jackzerwas@gmail.com

John Zerwas from Richmond, TX

Age 59
๐Ÿ“ 6702 Riva Ridge Dr, Richmond, TX 77406
๐Ÿ“ž (281) 342-6926, (281) 342-7487, (281) 342-3599, (281) 342-3599, (281) 342-7487, (281) 342-6926, (713) 341-5060
๐Ÿช The Texas Society Of Anesthesiologists

John Zerwas from Richmond, TX

Age 71 b. Mar 1955 Fort Bend Co.
๐Ÿ“ 6702 Riva Ridge Dr
๐Ÿ“ž (281) 342-3599

John Zerwas

๐Ÿ“ 110 San Antonio St Apt 811, Austin Tx
๐Ÿ“ž (713) 205-2113, (111) 111-0002
โœ‰๏ธ JZERWASMD@ATT.NET

John Zerwas from Cypress, TX

Male
๐Ÿ“ 12714 Oak Plaza Dr
๐Ÿ“ž (281) 910-8307 (VERIZON WIRELESS)

John Zerwas from Tulsa, OK

Age 71 b. Mar 1955 Tulsa Co.
๐Ÿ“ 312 S Evanston Ave Apt 414

John Zerwas from Houston, TX

Harris Co.
๐Ÿ“ 7777 Sw Ste Fy

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 9 contact records for John Zerwas across 2 states. The most recent address on file is in Richmond, Texas. Of these records, 7 include phone numbers and 4 include email addresses. Ages range from 52 to 59, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Zerwas John

Fort-bend County
PIN: 7685-00-000-0300-901
· 6702 Riva Ridge DR, TX
Built: 1990.0
Assessed: $1,010,190

Zerwas John

Fort-bend County
· 6702 Riva Ridge DR, Fulshear-Simonton Tx
Built: 1990.0
Assessed: $1,010,190

Source: County Assessor Records ยท County Recorder Offices ยท State Property Tax Databases We found 2 property records linked to John Zerwas in Fulshear-Simonton. Values shown are from county assessor records and may differ from current market prices.

2008 Jeep Commander
ยท Registered to: John Zerwas
ยท VIN: 1J8HG48K48C132662
·
5701 S Mo Pac Expy Apt 1724, Austin, TX, 78749-1450
·
(832) 746-1095
2017 Cadillac Escalade Esv
ยท Registered to: John Zerwas
ยท VIN: 1GYS3JKJ7HR393847
·
6702 Riva Ridge Dr, Richmond, TX, 77406

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 2 vehicle registration records are associated with John Zerwas. Registered makes include Jeep, Cadillac. The most recent model year on record is 2017. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Anesthesia Foundation

John ZerwasBoard Member
Schaumburg, IL

John Zerwas

Photographer
John David Photography
Minnesota

Manatee School Of Arts-Science

John ZerwasWaiter/Waitress
(651) 464-5057dblj2thez42069z@gogeckos.com
9220239stn, Forest Lake, MN55025

Jerome M. Eisenberg Inc

John ZerwasFounder
dblj2thez42069z@msn.com
9220239stn, Forest Lake, mn55025
royal-athena.com

Memorial Hermann Health

John ZerwasLegislative Member
(713) 456-5151john.zerwas@memorialhermann.org
Houston, TX

Greater Houston Anesthesiology

John ZerwasPresident
(713) 620-4000jzerwas@phbs.com
Houston, TX

John and Cindy Zerwas

United States

Perspectives

John ZerwasExecutive Director
(651) 464-5057dblj2thez42069z@msn.com
9220239stn, Forest Lake, MN55025

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 14 business affiliations were found for John Zerwas. Companies include Manatee School Of Arts-Science, Memorial Hermann Health, Greater Houston Anesthesiology and 1 more. Roles listed include Board Member and Waiter/Waitress. Records are compiled from state business registries, SEC filings, and professional networking databases.

Unknown Corporation

Addr: 6702 Riva Ridge, Richmond, TX, 77469
TX
DIRECTOR: John Zerwas

Memorial Sisters Of Charity Management Solutions, L.l.c.

Addr: 7737 Southwest Frwy., Houston, TX, 77074
TX
MM: John Zerwas

Unknown Corporation

Addr: 6702 Riva Ridge Dr., Richmond, TX, 77406
TX
Officer: John M Zerwas

John M. Zerwas, M.D., P.A.

ID: 0801141408
Addr: 6702 Riva Ridge Dr., Richmond, TX, 77406
TX
Member: John M Zerwas

Memorial Sisters Of Charity Outpatient Centers Corporation

ID: 0135074301
Addr: 2600 North Loop West Ste 620, Houston, TX, 77092
TX
Director: John Zerwas

Texas Hospital Association

ID: 0006528901
Addr: 7737 Southwest Freeway, Houston, TX, 77074
TX
Trustee/Director: John M Zerwas

Texas Healthcare Trustees

ID: 0131360601
Addr: 7737 SW Frwy Ste 200, Houston, TX, 77074
TX
Director: John Zerwas

Workers Cooperative, Inc.

ID: 0800310687
Addr: 6702 Riva Ridge, Richmond, TX, 77469
TX
DIRECTOR: John Zerwas

The Texas Society Of Anesthesiologists

ID: 0015425601
Addr: 6702 Riva Ridge Dr., Richmond, TX, 77469
TX
Director: John M. Zerwas

John M. Zerwas, M.D., P.A.

ID: 0801141408
Addr: 6702 Riva Ridge Dr., Richmond, TX, 77406
TX
Executive Committee Member: John M Zerwas

Memorial Sisters Of Charity Management Solutions, L.l.c.

ID: 0701130522
Addr: 7737 Southwest Frwy., Houston, TX, 77074
TX
MM: John Zerwas

John M. Zerwas, M.D., P.A.

ID: 0801141408
Addr: 6702 Riva Ridge Dr., Richmond, TX, 77406
TX
President: John M Zerwas

Source: Public Records John Zerwas appears in 12 corporate filings from state Secretary of State offices and SEC EDGAR, listed as an officer, director, or registered agent.

John Zerwas

Dec 17, 2010, 01:00 PM
ยท Meeting with: White House Staff
ยท OEOB

Source: White House Visitor Logs ยท Obama Administration Transparency Initiative ยท NARA John Zerwas appears in 1 White House visitor log entry from the WAVES/ACR access control system. These records were released under government transparency initiatives and primarily cover the Obama administration era.

John Zerwas

Bellaire High School - Bellaire, TX, TX
1973

Source: Historical Yearbook Archives ยท State Dept. of Education ยท Educator License Databases John Zerwas has 1 education-related record on file, which may include educator certifications and historical yearbook entries. Yearbook data represents a historical snapshot and may not reflect current information.

$1,500 Dec 28, 2007
2008
Fort Bend Conservative Club
Zerwas, John Physician Richmond, TX
$1,000 Oct 1, 2015
2016
American Society Of Anesthesiologists Political Action Committee
Zerwas, John M Physician @ Greater Houston Anesthesiology Houston, TX
$1,000 Jan 14, 2004
2004 REP
Cornyn, John
Zerwas, John M Physician @ Anesthesiologist Richmond, TX
$100 Jul 27, 2006
2006 R
Zerwas, John (committee 1)
Zerwas, John Wharton, TX
$8 Jan 28, 2006
2006 R
Zerwas, John (committee 1)
Zerwas, John Needville, TX
$50 May 29, 2014
2014
Republican Party Of Texas
Zerwas, John State Representative @ State Of Texas Richmond, TX
$1,000 Sep 25, 2009
2010 REP
Harris, Andrew P
Zerwas, John Anesthe @ Memorial Hermann Healthcare Richmond, TX
$200 Sep 30, 2006
2006 R
Zerwas, John (committee 1)
Zerwas, John Wharton, TX
$1,000 Sep 10, 2016
2016
Texas Society Of Anesthesiologists Political Action Committee
Zerwas, John Physician Richmond, TX
$20 Sep 18, 2010
2010
Republican Women Of Waller County
Zerwas, John Texas State Repersentive Fulshear, TX
$9 Aug 23, 2006
2006 R
Zerwas, John (committee 1)
Zerwas, John Rosenberg, TX
$757 Mar 28, 2006
2006 R
Zerwas, John (committee 1)
Zerwas, John Katy, TX
$500 Aug 11, 2015
2016 REP
Cruz, Rafael Edward Ted
Zerwas, John M Physician Richmond, TX
$200 Jun 4, 1990
1990 DEM
Washington, Craig A
Zerwas, John Anesthesiologist @ Doctor Houston, TX
$1,000 May 9, 2014
2014 REP
Harris, Andrew P
Zerwas, John Anesthesiologist @ Self Employed Richmond, TX
$100 Jul 10, 2006
2006 R
Zerwas, John (committee 1)
Zerwas, John Sugar Land, TX
$100 Oct 3, 2000
2000
Janek, Kyle L
Zerwas, John M Richmond, TX
$50 Sep 18, 2010
2010
Republican Women Of Waller County
Zerwas, John Texas State Repersentive Fulshear, TX
$250 Oct 23, 2006
2006 R
Zerwas, John (committee 1)
Zerwas, John Richmond, TX
$50 Sep 13, 2006
2006 R
Zerwas, John (committee 1)
Zerwas, John Richmond, TX
$416 Jan 14, 2019
2020
American Society Of Anesthesiologists Political Action Committee (asa Pac)
Zerwas, John Physician @ Us Anesthesia Partners Richmond, TX
$250 Nov 9, 2018
2018
U.s. Anesthesia Partners, INC. Pac D/B/A/ Usap Pac
Zerwas, John M Physician @ Us Anesthesia Partners Richmond, TX
$750 Oct 7, 2006
2006 R
Zerwas, John (committee 1)
Zerwas, John Richmond, TX
$300 Sep 20, 1990
1990 NNE
Texas Medical Association Political Action Committee Texpac
Zerwas, John M Anesthesiologist @ Physician Houston, TX
$1,000 Aug 29, 2016
2016 REP
Brady, Kevin
Zerwas, John Anesthesiologist @ Usap Richmond, TX
$162 Oct 21, 2006
2006 R
Zerwas, John (committee 1)
Zerwas, John Rosenberg, TX
$47 Mar 12, 2006
2006 R
Zerwas, John (committee 1)
Zerwas, John Katy, TX
$200 Oct 10, 2006
2006 R
Zerwas, John (committee 1)
Zerwas, John Richmond, TX
$24 Oct 26, 2006
2006 R
Zerwas, John (committee 1)
Zerwas, John Wharton, TX
$500 Sep 8, 2014
2014 REP
Burgess, Michael Clifton
Zerwas, John Physician @ Self Employed Richmond, TX
$150 Jan 3, 2001
2000
Texas Society Of Anesthesiologists Political Action Committee
Zerwas, John Physician Richmond, TX
$1,600 Jan 9, 2006
2006 R
Zerwas, John (committee 1)
Zerwas, John Katy, TX
$240 Jan 27, 2006
2006 R
Zerwas, John (committee 1)
Zerwas, John Houston, TX
$500 Nov 15, 2000
2000
American Society Of Anesthesiologists Incorporated Political Action Committee
Zerwas, John Anesthesiolo @ Greater Houston Anesth Richmond, TX
$138 Feb 10, 2006
2006 R
Zerwas, John (committee 1)
Zerwas, John El Campo, TX
$0 Jan 1, 1
2000
Greater Houston Anesthesiology
Zerwas, John Anesthesiologist @ Greater Houston Anesthesiology Houston, TX
$250 Apr 4, 2002
2002 REP
Hegar, Glenn
Zerwas, John Physician @ Anesthesiologist Richmond, TX
$20 Mar 15, 2006
2006 R
Zerwas, John (committee 1)
Zerwas, John La Grange, TX
$1,000 Feb 10, 2010
2010 REP
Harris, Andrew P
Zerwas, John Anesthe @ Memorial Hermann Healthcare Richmond, TX
$500 Oct 22, 1996
1996
American Society Of Anethesiologists Incorporated Political Action Committee (asapac)
Zerwas, John Anesthesiolo @ Greater Houston Anesth Richmond, TX
$500 Oct 18, 2002
2002
Nrccc Non Federal 1
Zerwas, John M Richmond, TX
$10,000 Jan 18, 2006
2006 R
Zerwas, John (committee 1)
Zerwas, John Houston, TX
$80 Sep 28, 2006
2006 R
Zerwas, John (committee 1)
Zerwas, John Rosenberg, TX
$500 Dec 31, 2017
2018 REP
Sheets, Kenneth
Zerwas, John Physician @ Usap Richmond, TX
$135 Feb 17, 2006
2006 R
Zerwas, John (committee 1)
Zerwas, John Richmond, TX
$125 Feb 5, 2009
2010
Texas Medical Association Political Action Committee
Zerwas, John M Physician @ American Society Of Anesthesiologists Richmond, TX
$25,000 Feb 16, 2018
2018
Texans For A Stronger Economy
Zerwas, John Anesthesiologist @ Us Anesthesia Partners Richmond, TX
$62 Feb 11, 2006
2006 R
Zerwas, John (committee 1)
Zerwas, John Fulshear, TX
$28 Sep 12, 2006
2006 R
Zerwas, John (committee 1)
Zerwas, John Hempstead, TX
$250 Nov 7, 2007
2008
Republican Party Of Fort Bend County
Zerwas, John Physician Richmond, TX
$125 Oct 30, 2013
West Fort Bend County Republican Women Pac
Contributor State Representative @ State Of Texas Richmond, TX
$83 Dec 21, 2024
Unknown Committee
Zerwas, John Physician @ Utrexas Schaumburg, IL
$100
2006 R
Zerwas, John (committee 1)
Contributor El Campo, TX
$50 20180525
Texans for Greg Abbott
Contributor Austin, TX

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 54 political contribution records found for John Zerwas. Total disclosed contributions amount to $53,978. Recipients include West Fort Bend County Republican Women Pac, Zerwas, John (committee 1), Texans for Greg Abbott. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

John M Zerwas

Age 62 Male
·
6702 Riva Ridge Dr, Richmond, TX 77406 (Fort Bend County)
29.6626, -95.8084
· (281) 342-7487
Marital: Married TZ: Central
Occ: Technical Edu: Graduate School
Homeowner Single Family Built 1990
MP

John Zerwas

Age 32 Male
·
8151 Fairmont Cir NE, Minneapolis, MN 55432 (Anoka County)
45.1162, -93.2825
· (952) 913-5211
TZ: Central
Homeowner Single Family Built 1966

Source: Consumer Marketing Databases ยท Commercial Data Aggregators Marketing databases contain 2 demographic profiles associated with John Zerwas. This data is compiled from commercial aggregators and may include estimated income ranges, lifestyle indicators, and household characteristics. Accuracy is not guaranteed.

Note: PPP loans shown are for businesses with addresses associated with John Zerwas. These loans were issued to businesses, not individuals.

Benjamin Interiano, Md, PA

Corporation

$97,500 Paid in Full
Address:
7737 Southwest Freeway
Houston, TX77074-1807
Approved

Apr 28, 2020

Forgiven

$98,021

Jobs Reported

7

Loan #

8570367202

Loan Size

Small

Source: SBA PPP Loan Data ยท CARES Act Public Disclosures 1 PPP loan record is linked to businesses associated with John Zerwas. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find John Zerwas on the map

Blank map of the United States, territories not included Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia West Virginia Wisconsin Wyoming District of Columbia District of Columbia
2
6
1
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John Zerwas in Austin, TX: Background Summary

Location
1400 Congress Ave Rm E2.308, Austin Tx, Austin, TX
Other Locations
Richmond, TX ยท Cypress, TX ยท Tulsa, OK and 1 more
Profiles Found
9 people with this name
Phone Numbers
(512) 463-0657 and 7 others on file
Email
jzerwasmd@att.net and 2 others on file
Possible Relatives
Wendal Shackelford Zerwas, Daniel Joseph Zerwas, Jean Marie Zerwas, Phillip H Zerwas, Renee Sue Hollingshead and 8 more
Career
Board Member, Waiter/Waitress at Manatee School Of Arts-Science, Memorial Hermann Health
Properties
2properties owned
Vehicles
2 linked โ€” 2008 Jeep Commander, 2017 Cadillac Escalade Esv
Contributions
$54.0K total โ€” West Fort Bend County Republican Women Pac, Zerwas, John (committee 1)
PPP Loans
$97,500 for Benjamin Interiano, Md, PA
White House
1 recorded visit

This information is compiled from publicly available records and may include data for multiple individuals with similar names. Data may contain inaccuracies or be incomplete. This information should not be used for employment screening, tenant screening, credit decisions, or any purpose covered by the Fair Credit Reporting Act (FCRA). Always verify information independently before making any decisions.

How to Read This Report

This page aggregates publicly available records from government agencies, court systems, and official registries into a single report for John Zerwas. Because public records are indexed by name rather than by a unique identifier, the 102 results displayed here may include information belonging to multiple individuals who share the same name โ€” a common occurrence, especially for frequently appearing names. To determine which records belong to the person you are researching, compare the location, approximate age, and any associated details across entries. Records that share an address or overlapping timeframe are more likely to refer to the same individual.

What Each Data Category Means

Property Records

Property records originate from county assessor and recorder offices, where real estate transactions, ownership transfers, and tax assessments are documented as a matter of public record. The assessed value shown for a property is the figure used by the county to calculate property taxes and frequently differs from the property's current market value โ€” in many jurisdictions assessed values lag behind market conditions by several years. A property record updates whenever a new deed, lien, or assessment is filed with the county, so the ownership and valuation data shown here reflects the most recent filing available in our sources rather than a real-time snapshot.

Business and Professional Records

Business records are compiled from state Secretary of State filings, SEC EDGAR corporate disclosures, and professional networking data. When a person appears as an officer, director, or registered agent, it reflects a formal role filed with a government agency โ€” these are legal positions of responsibility, not informal job titles. Records sourced from professional profiles represent information that individuals have chosen to make publicly available about their career history, skills, and affiliations. Business entity registrations show current or historical standing with the state, but a listing does not guarantee the entity is still actively operating.

Campaign Finance Contributions

Federal election law requires the disclosure of political contributions exceeding $200 to any single committee in a calendar year. These records are filed with the Federal Election Commission (FEC) and include the donor's name, mailing address, employer, occupation, and the amount contributed. Contributions to state and local candidates are governed by each state's campaign finance laws, which may set different disclosure thresholds. The data shown here reflects what was reported in official filings and may include contributions made over the course of many election cycles, so the dates and amounts should be read in their historical context.

Vehicle Records

Vehicle ownership records are obtained through sources that comply with the Driver's Privacy Protection Act (DPPA), the federal law that governs who may access motor vehicle records and for what purposes. The records shown indicate vehicles that have been registered to this individual through state DMV systems. Vehicle data may include make, model, year, and VIN, and reflects registration information at the time the record was filed. Vehicles that have been sold, traded, or transferred may still appear until the registration is updated in the state's records.

Important Limitations

Public records may contain outdated information, data entry errors, or records that belong to a different person who shares the same name as the individual you are researching. Government agencies update their records on varying schedules, and the data shown here may not reflect the most recent changes. Information on this page is provided for informational purposes only and should not be used for employment screening, tenant screening, credit decisions, or any other purpose regulated by the Fair Credit Reporting Act (FCRA). Always verify critical details through the originating government agency or official registry.

Your Rights

If you are the person described in these records, you have rights regarding your personal data. Under laws including the California Consumer Privacy Act (CCPA) and similar state privacy statutes, you may request the deletion or correction of your personal information. To submit a removal request, visit our opt-out page. For a complete description of how we collect, use, and protect personal data, please review our privacy policy.

Search Results Analysis for John Zerwas

Search Complexity: High

102 public records across 4states, belonging to approximately 9 different individuals. With 9 distinct profiles across 4 states, additional identifying information such as a middle name, age, or city will significantly narrow these results.

For this search, the Political Contribution Records section may be most helpful for disambiguation because these records include employer and occupation, which are strong distinguishing fields.

Geographic Distribution

Records are moderately distributed across 4 states. Highest concentration: Texas (30%), followed by Minnesota and Illinois. Spans the South and Midwest regions.

TX31recordsMN6recordsIL2recordsOK1record

Record Type Breakdown

Data spans 7 record categories. Largest: Political Contribution Records (55%), which include employer and occupation, which are strong distinguishing fields. Also includes Business & Corporate Filings (14) and Contact & Address Records (13).

54
Political Contribution Records
14
Business & Corporate Filings
13
Contact & Address Records
12
Corporate Records
2
Property Ownership Records
2
Vehicle Registration Records

Age Distribution

Age range: approximately 19 years. Largest group: Senior (65+) (50%).

Senior (65+)2peopleMiddle-Age (40-64)2people

Use the age information shown on individual record cards to help identify the correct person.

Frequently Asked Questions About John Zerwas

Does John Zerwas own property?
County assessor records show 2 properties associated with John Zerwas . Assessed values are determined by county tax assessors and may differ from market value. These records are sourced from county recorder and assessor offices.
What vehicles are registered to John Zerwas?
Records show 2 vehicle registrations associated with John Zerwas, including a 2008 Jeep Commander. Registered makes include Jeep, Cadillac. Vehicle registration data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.
What businesses are associated with John Zerwas?
We found 14 business affiliations for John Zerwas (BOARD MEMBER). Other companies include Memorial Hermann Health, Greater Houston Anesthesiology. Business records are compiled from state registries, SEC filings, and professional databases.
Has John Zerwas made political donations?
FEC disclosure records show 54 reported political contributions from John Zerwas, totaling $53,978. Recipients include West Fort Bend County Republican Women Pac and Zerwas, John (committee 1) and 1 others. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for John Zerwas?
Our database contains 102 total records for John Zerwas spanning 4 states. This includes 9 distinct contact records, 7 with phone numbers, 4 with email addresses. Multiple records may represent different individuals sharing the same name. All data is compiled from publicly available government and commercial sources.
How accurate is the information shown for John Zerwas?
The 102 records displayed for John Zerwas are aggregated from government agencies, county offices, and official registries. While we source from authoritative databases, records can contain outdated information or belong to a different person with the same name. We recommend verifying important details through the original issuing agency before making decisions based on this data.
Can John Zerwas remove this information?
Yes, any individual has the right to request removal of their personal information. Submit a free removal request through our opt-out page. Under the CCPA and similar state privacy laws, you can request deletion of your data. Removal is completed within 48 hours. You do not need to create an account.
Can I use this data for background checks or screening?
No. OpenDataUSA is not a Consumer Reporting Agency under the FCRA. These records may not be used for employment screening, tenant evaluation, credit decisions, insurance underwriting, or any other FCRA-regulated purpose. For official background checks, use an FCRA-compliant service.